From traditional auto loans, and motorcycle loans to lease-like alternatives, AmeriCU can connect you with the right financing options so you can connect the rubber to the road. Our online application makes it quick and easy to apply. If you would rather apply over the phone or in person, we’ve got you covered there too. When you finance through AmeriCU, we take care of the paperwork, you do the test drive.
- Join AmeriCUJoin
- Apply for a LoanApply
- Make an AppointmentAppt.
- Current RatesRates
No Auto Loan Payments for 90-Days!*
Connect with a traditional new or used auto loan, motorcycle loan, or try PaySaver, our lease-like alternative, and we’ll give you 90-Days with no payments! No action necessary – payment terms are automatically applied during the application process.Learn more about our loan options below.
apply online now
Traditional Auto Loan
Let AmeriCU put you in the driver seat with a great rate and a smooth ride from application to closing.
apply now
Lease-Like Auto Loan
Our PaySaver Auto Loan offers payments that are considerably lower than conventional financing, but unlike a lease, you own the vehicle and have all of the flexibility and benefits of vehicle ownership!
learn more
Motorcycle Loans
Enjoy the ride with AmeriCU! Let us help finance the bike of your dreams, so you can focus on the open road.
apply for a motorcycle loan
Refinancing An Auto Loan
Could you stand to save a little extra each month on your auto loan? Consider refinancing your vehicle with us to a lower rate!
get started
Connect with an Auto Loan from AmeriCU:
- New and Used cars and trucks, all model years
- Available debt protection
- Loan terms based on credit score, amount financed, and model year
- For a limited time, enjoy no payments for 90-days* on all auto and motorcycle loans! No action necessary – payment terms are automatically applied during the application process.
view current rates and disclosures
Connect with a Motorcycle Loan from AmeriCU:
- Minimum loan amounts of $5,000
- Terms up to 84 months based on credit score, amount financed, and model year
- Eligible for GAP Protection
- For a limited time, enjoy no payments for 90-days* on all auto and motorcycle loans! No action necessary – payment terms are automatically applied during the application process.
apply now
Get Pre-Approved
AmeriCU may be able to pre-approve you for your next vehicle, meaning you’ll be prepared to finance before you ever step into a dealership.
get pre-approved now
Auto Loan Resource Center
Not sure where to start? At AmeriCU, we are here to help you with every step of the auto buying process! Take advantage of our helpful tips, and there are some helpful calculators below to help you determine how much car you can afford, the value of your current ride, and more You can even take our short auto loans course to learn about financing options, fixed and variable interest rates, and monthly payment calculations.
Like we said, we’ll take care of the paperwork, and you worry about the test drive. AmeriCU representatives make the auto loan process as smooth as your next ride! From application to closing, in-person or over-the-phone, we’ve got you covered.
And have you considered an extended warranty? You should research extended warranties beyond the initial warranty offered by the manufacturer or car dealer to see if one fits your needs and budget. It may be beneficial to you in the long-run to have coverage.
Once you’re settled with your financing in hand, you’re set to head to the dealership and get your new set of keys! We hope you enjoy your new ride, and we’re glad that you chose AmeriCU to be part of this exciting experience. Be sure to keep us in mind for your next vehicle purchase or refinancing opportunity.
No Auto Loan Payments for 90-Days!*
Connect with a traditional new or used auto loan, motorcycle loan, or try PaySaver, our lease-like alternative, and we’ll give you three months with no payments! No Auto Loan Payments for 90-Days!* No action necessary – payment terms are automatically applied during the application process.
apply now
GAP Insurance
A vehicle’s value often declines much faster than a loan or lease balance. The difference between this value and the balance is the GAP.
GAP Benefits:
- Gives you peace of mind by avoiding financial uncertainty after a traumatic loss
- Allows for a “clean slate” when financing your next purchase
- Protects your investment
- The cost can be added to your loan
learn more
You may also be interested in
Auto Insurance
Are you properly protected in the event your vehicle is stolen, damaged in an accident or cause injury to the rider, passenger or another person?
Learn More
Checking + Debit
AmeriCU offers a suite of checking products designed with your needs in mind, complete with an instantly issued debit card for immediate use.
Learn More
Debt Protection
Life, Terminal illness, Accidental Dismemberment, Hospitalization, Family Medical Leave, Loss of Life of a Dependent, Disability, or Involuntary Unemployment Claim? We are here to help!
Learn More
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
Jun 03, 2024
AmeriCU Credit Union announces participation in the Federal Home Loan Bank of New York’s Homebuyer Dream Program Plus
AmeriCU Credit Union is excited to announce its participation in the Federal Home Loan Bank of New York’s Homebuyer Dream Program Plus (HDP Plus) *.
View News
Events
Jun 07, 2024
Cazenovia Financial Center’s Let’s Connect Day
AmeriCU members and the community are encouraged to visit the credit union’s Cazenovia Financial Center to learn about all the different services AmeriCU provides, all in one place! Meet with the right teammates and get the answers you need.
View Event
Education
May 08, 2024
Mindful Living
Feeling stressed out? You’re not alone. In our daily lives, we experience many ups and downs.
View Article
*Applications subject to credit approval. Automatic payments required. Not valid on existing AmeriCU loans. Interest begins accruing on date loan is opened and will be amortized over the monthly payments. Programs, rates, terms and conditions subject to change without notice. Offer expires 7/31/24.
